The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Expires: July 31, 2015
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hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL A 02079K305 308,805 3,500 SH SOLE 0 0 3,500
ALPHABET INC CAP STK CL C 02079K107 425,904 4,800 SH SOLE 0 0 4,800
AMAZON COM INC COM 023135106 523,698 6,234 SH SOLE 0 0 6,234
APPLE INC COM 037833100 1,025,303 7,891 SH SOLE 0 0 7,891
COLGATE PALMOLIVE CO COM 194162103 797,749 10,125 SH SOLE 0 0 10,125
DISNEY WALT CO COM 254687106 443,001 5,099 SH SOLE 0 0 5,099
EXXON MOBIL CORP COM 30231G102 863,980 7,833 SH SOLE 0 0 7,833
ISHARES INC CORE MSCI EMKT 46434G103 374,581 8,021 SH SOLE 0 0 8,021
ISHARES TR CORE MSCI EURO 46434V738 534,280 11,248 SH SOLE 0 0 11,248
ISHARES TR CORE MSCI PAC 46434V696 295,345 5,503 SH SOLE 0 0 5,503
ISHARES TR CORE S&P MCP ETF 464287507 559,733 2,314 SH SOLE 0 0 2,314
ISHARES TR CORE S&P SCP ETF 464287804 353,859 3,739 SH SOLE 0 0 3,739
ISHARES TR CORE S&P US GWT 464287671 843,648 10,349 SH SOLE 0 0 10,349
ISHARES TR CORE S&P US VLU 464287663 1,034,662 14,649 SH SOLE 0 0 14,649
ISHARES TR ESG AW MSCI EAFE 46435G516 256,123 3,896 SH SOLE 0 0 3,896
ISHARES TR ESG AWR MSCI USA 46435G425 255,437 3,014 SH SOLE 0 0 3,014
ISHARES TR ISHS 1-5YR INVS 464288646 20,631,405 414,119 SH SOLE 0 0 414,119
ISHARES TR NATIONAL MUN ETF 464288414 2,957,304 28,026 SH SOLE 0 0 28,026
ISHARES TR S&P MC 400VL ETF 464287705 294,114 2,918 SH SOLE 0 0 2,918
ISHARES TR SHRT NAT MUN ETF 464288158 3,764,564 36,104 SH SOLE 0 0 36,104
LOEWS CORP COM 540424108 494,813 8,483 SH SOLE 0 0 8,483
MERCK & CO INC COM 58933Y105 665,700 6,000 SH SOLE 0 0 6,000
MICROSOFT CORP COM 594918104 1,754,763 7,317 SH SOLE 0 0 7,317
NEXTERA ENERGY INC COM 65339F101 443,582 5,306 SH SOLE 0 0 5,306
NIKE INC CL B 654106103 919,699 7,860 SH SOLE 0 0 7,860
PHILIP MORRIS INTL INC COM 718172109 215,881 2,133 SH SOLE 0 0 2,133
PRICE T ROWE GROUP INC COM 74144T108 263,053 2,412 SH SOLE 0 0 2,412
PROCTER AND GAMBLE CO COM 742718109 1,232,133 8,130 SH SOLE 0 0 8,130
RAYTHEON TECHNOLOGIES CORP COM 75513E101 908,684 9,004 SH SOLE 0 0 9,004
STARBUCKS CORP COM 855244109 255,936 2,580 SH SOLE 0 0 2,580
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 16,807,612 223,268 SH SOLE 0 0 223,268
VANGUARD INDEX FDS GROWTH ETF 922908736 26,923,381 126,336 SH SOLE 0 0 126,336
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 11,486,464 63,899 SH SOLE 0 0 63,899
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 11,553,012 85,426 SH SOLE 0 0 85,426
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 11,014,972 133,547 SH SOLE 0 0 133,547
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 319,017 908 SH SOLE 0 0 908
VANGUARD INDEX FDS SM CP VAL ETF 922908611 7,330,684 46,163 SH SOLE 0 0 46,163
VANGUARD INDEX FDS SML CP GRW ETF 922908595 7,105,198 35,430 SH SOLE 0 0 35,430
VANGUARD INDEX FDS VALUE ETF 922908744 28,232,698 201,131 SH SOLE 0 0 201,131
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 17,754,288 455,472 SH SOLE 0 0 455,472
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 22,554,966 406,836 SH SOLE 0 0 406,836
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 14,637,630 227,469 SH SOLE 0 0 227,469
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 6,476,002 62,990 SH SOLE 0 0 62,990
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,591,675 18,467 SH SOLE 0 0 18,467
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 9,993,142 213,940 SH SOLE 0 0 213,940
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 216,386 1,425 SH SOLE 0 0 1,425
VANGUARD WORLD FD ESG US STK ETF 921910733 251,849 3,824 SH SOLE 0 0 3,824
VISA INC COM CL A 92826C839 314,756 1,515 SH SOLE 0 0 1,515